I have an extension to file my 2024 US taxes, so I need to file in October. I'm joint filing with my husband. He has no income to report, but based on my teacher income here in Jordan, we stand to recieve a refund of about $3000 because of our three kids. The problem is that I have an old student loan that's been in default since 2012 or so. Because the hold on the Department of Education taking refunds for defaulted student loans has been removed, I know that my refund will be taken if I file my taxes now. I've been in communication with the Dept. of Education and I'm starting the process of rehabilitating the loan. I was told that after 4 consecutive payments, the Dept of Education will not offset. My bank is scheduled to mail the 1st payment July 1. That means that my 4th payment probably won't be processed until mid to late October, if not November. What could be a work around for me to submit my tax return and still recieve my refund?
